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Great news for first time buyers!

With 95% mortgages now available, £1,000 cashback on selected deals, plus award-winning service from local people, getting your foot on the property ladder is easier than you think.

5% deposits and £1,000 cashback
5% deposit mortgages are back! You could also get £1,000 cashback with our 5-year fixed rate mortgage.
Platinum-rated customer service
Providing great service is something we’re really proud of. We’ve won Feefo’s Platinum Trusted Service Award for 2021.
Book a phone appointment
Any questions? You can speak to us about your mortgage 7 days a week.

*£1,000 cashback only available on our 5-year fixed rate First Time Buyer mortgage product up to 95%. Terms and conditions apply.

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Use our mortgage product selector to compare our latest mortgage deals

£100,000
£20,000
20 Years
These products are available for a £120,000 mortgage with a 75% loan to value (LTV).
2 YEAR DISCOUNT VARIABLE RATE
1.04%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £372.00 and 336 monthly payments of £542.34.

The total amount payable would be £193,283 made up of the loan amount plus interest (£76,154), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.04%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £372.00 and 336 monthly payments of £542.34.

The total amount payable would be £193,543 made up of the loan amount plus interest (£76,154), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.04%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £372.00 and 336 monthly payments of £542.34.

The total amount payable would be £193,283 made up of the loan amount plus interest (£76,154), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.04%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 3.05% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.04% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £372.00 and 336 monthly payments of £542.34.

The total amount payable would be £193,543 made up of the loan amount plus interest (£76,154), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.09%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.09% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £581.48 and 202 monthly payments of £735.50.

The total amount payable would be £165,818 made up of the loan amount plus interest (£43,989), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.09%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.09% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £581.48 and 202 monthly payments of £735.50.

The total amount payable would be £166,078 made up of the loan amount plus interest (£43,989), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.09%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.09% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £581.48 and 202 monthly payments of £735.50.

The total amount payable would be £165,818 made up of the loan amount plus interest (£43,989), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.09%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.09% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.09% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £581.48 and 202 monthly payments of £735.50.

The total amount payable would be £166,078 made up of the loan amount plus interest (£43,989), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.12%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.12% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.26 and 336 monthly payments of £542.73.

The total amount payable would be £192,517 made up of the loan amount plus interest (£76,388), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.12%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.12% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.26 and 336 monthly payments of £542.73.

The total amount payable would be £192,777 made up of the loan amount plus interest (£76,388), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.12%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.12% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.26 and 336 monthly payments of £542.73.

The total amount payable would be £192,517 made up of the loan amount plus interest (£76,388), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.12%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.97% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.12% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £376.26 and 336 monthly payments of £542.73.

The total amount payable would be £192,777 made up of the loan amount plus interest (£76,388), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.16%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.16% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £378.40 and 336 monthly payments of £542.92.

The total amount payable would be £193,632 made up of the loan amount plus interest (£76,503), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.16%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.16% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £378.40 and 336 monthly payments of £542.92.

The total amount payable would be £193,892 made up of the loan amount plus interest (£76,503), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.16%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.16% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £378.40 and 336 monthly payments of £542.92.

The total amount payable would be £193,632 made up of the loan amount plus interest (£76,503), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.16%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.93% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.16% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £378.40 and 336 monthly payments of £542.92.

The total amount payable would be £193,892 made up of the loan amount plus interest (£76,503), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.17%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.17% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £585.77 and 202 monthly payments of £736.10.

The total amount payable would be £165,051 made up of the loan amount plus interest (£44,222), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.17%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.17% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £585.77 and 202 monthly payments of £736.10.

The total amount payable would be £165,311 made up of the loan amount plus interest (£44,222), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.17%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.17% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £585.77 and 202 monthly payments of £736.10.

The total amount payable would be £165,051 made up of the loan amount plus interest (£44,222), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.17%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.17% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.17% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £585.77 and 202 monthly payments of £736.10.

The total amount payable would be £165,311 made up of the loan amount plus interest (£44,222), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.21%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.21% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £587.92 and 202 monthly payments of £736.39.

The total amount payable would be £166,166 made up of the loan amount plus interest (£44,337), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.21%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.21% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £587.92 and 202 monthly payments of £736.39.

The total amount payable would be £166,426 made up of the loan amount plus interest (£44,337), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.21%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.21% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £587.92 and 202 monthly payments of £736.39.

The total amount payable would be £166,166 made up of the loan amount plus interest (£44,337), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.21%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.21% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.21% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £587.92 and 202 monthly payments of £736.39.

The total amount payable would be £166,426 made up of the loan amount plus interest (£44,337), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.22%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.22% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.62 and 336 monthly payments of £543.21.

The total amount payable would be £192,806 made up of the loan amount plus interest (£76,677), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.22%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.22% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.62 and 336 monthly payments of £543.21.

The total amount payable would be £193,066 made up of the loan amount plus interest (£76,677), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.22%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.22% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.62 and 336 monthly payments of £543.21.

The total amount payable would be £192,806 made up of the loan amount plus interest (£76,677), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.22%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.87% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.22% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £381.62 and 336 monthly payments of £543.21.

The total amount payable would be £193,066 made up of the loan amount plus interest (£76,677), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.24%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £382.70 and 336 monthly payments of £543.30.

The total amount payable would be £192,863 made up of the loan amount plus interest (£76,734), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.24%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £382.70 and 336 monthly payments of £543.30.

The total amount payable would be £193,123 made up of the loan amount plus interest (£76,734), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.24%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £382.70 and 336 monthly payments of £543.30.

The total amount payable would be £192,863 made up of the loan amount plus interest (£76,734), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.24%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £382.70 and 336 monthly payments of £543.30.

The total amount payable would be £193,123 made up of the loan amount plus interest (£76,734), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.29%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £592.25 and 202 monthly payments of £736.98.

The total amount payable would be £165,397 made up of the loan amount plus interest (£44,568), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.29%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £592.25 and 202 monthly payments of £736.98.

The total amount payable would be £165,657 made up of the loan amount plus interest (£44,568), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.29%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £592.25 and 202 monthly payments of £736.98.

The total amount payable would be £165,397 made up of the loan amount plus interest (£44,568), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.29%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £592.25 and 202 monthly payments of £736.98.

The total amount payable would be £165,657 made up of the loan amount plus interest (£44,568), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.34%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.34% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £388.12 and 336 monthly payments of £543.78.

The total amount payable would be £193,154 made up of the loan amount plus interest (£77,025), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.34%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.34% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £388.12 and 336 monthly payments of £543.78.

The total amount payable would be £193,414 made up of the loan amount plus interest (£77,025), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.34%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.34% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £388.12 and 336 monthly payments of £543.78.

The total amount payable would be £193,154 made up of the loan amount plus interest (£77,025), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.34%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.75% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.34% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £388.12 and 336 monthly payments of £543.78.

The total amount payable would be £193,414 made up of the loan amount plus interest (£77,025), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.50%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.50% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.50% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £327.69 and 298 monthly payments of £435.85.

The total amount payable would be £152,329 made up of the loan amount plus interest (£55,250), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.50%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.50% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.50% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £327.69 and 298 monthly payments of £435.85.

The total amount payable would be £152,589 made up of the loan amount plus interest (£55,250), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.50%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.50% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.50% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £327.69 and 298 monthly payments of £435.85.

The total amount payable would be £152,329 made up of the loan amount plus interest (£55,250), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.50%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.50% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.50% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £327.69 and 298 monthly payments of £435.85.

The total amount payable would be £152,589 made up of the loan amount plus interest (£55,250), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.53%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £398.55 and 336 monthly payments of £544.67.

The total amount payable would be £192,704 made up of the loan amount plus interest (£77,574) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.53%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £398.55 and 336 monthly payments of £544.67.

The total amount payable would be £192,964 made up of the loan amount plus interest (£77,574), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.53%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £398.55 and 336 monthly payments of £544.67.

The total amount payable would be £192,704 made up of the loan amount plus interest (£77,574) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.53%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.56% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.53% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £398.55 and 336 monthly payments of £544.67.

The total amount payable would be £192,964 made up of the loan amount plus interest (£77,574), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £331.35 and 298 monthly payments of £436.62.

The total amount payable would be £151,785 made up of the loan amount plus interest (£55,706), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £331.35 and 298 monthly payments of £436.62.

The total amount payable would be £152,045 made up of the loan amount plus interest (£55,706), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £331.35 and 298 monthly payments of £436.62.

The total amount payable would be £151,785 made up of the loan amount plus interest (£55,706), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £331.35 and 298 monthly payments of £436.62.

The total amount payable would be £152,045 made up of the loan amount plus interest (£55,706), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £608.08 and 202 monthly payments of £739.10.

The total amount payable would be £165,238 made up of the loan amount plus interest (£45,408) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £608.08 and 202 monthly payments of £739.10.

The total amount payable would be £165,498 made up of the loan amount plus interest (£45,408), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £608.08 and 202 monthly payments of £739.10.

The total amount payable would be £165,238 made up of the loan amount plus interest (£45,408) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.58%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.58% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.58% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £608.08 and 202 monthly payments of £739.10.

The total amount payable would be £165,498 made up of the loan amount plus interest (£45,408), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.60%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.60% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.60% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £332.27 and 298 monthly payments of £436.81.

The total amount payable would be £152,899 made up of the loan amount plus interest (£55,820), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.60%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.60% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.60% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £332.27 and 298 monthly payments of £436.81.

The total amount payable would be £153,159 made up of the loan amount plus interest (£55,820), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.60%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.60% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.60% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £332.27 and 298 monthly payments of £436.81.

The total amount payable would be £152,899 made up of the loan amount plus interest (£55,820), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.60%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.60% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.60% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £332.27 and 298 monthly payments of £436.81.

The total amount payable would be £153,159 made up of the loan amount plus interest (£55,820), arrangement fee (£1,999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.68%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.68% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £335.96 and 298 monthly payments of £437.58.

The total amount payable would be £152,357 made up of the loan amount plus interest (£56,278), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.68%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.68% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £335.96 and 298 monthly payments of £437.58.

The total amount payable would be £152,617 made up of the loan amount plus interest (£56,278), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.68%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.68% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £335.96 and 298 monthly payments of £437.58.

The total amount payable would be £152,357 made up of the loan amount plus interest (£56,278), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.68%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 75%

Your interest rate is fixed at 1.68% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.68% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £335.96 and 298 monthly payments of £437.58.

The total amount payable would be £152,617 made up of the loan amount plus interest (£56,278), arrangement fee (£999), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.70%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.70% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £336.88 and 298 monthly payments of £437.77.

The total amount payable would be £151,472 made up of the loan amount plus interest (£56,392) and other lending fees (£20).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.70%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.70% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £336.88 and 298 monthly payments of £437.77.

The total amount payable would be £151,732 made up of the loan amount plus interest (£56,392), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.70%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.70% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £336.88 and 298 monthly payments of £437.77.

The total amount payable would be £151,472 made up of the loan amount plus interest (£56,392) and other lending fees (£20).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.70%
Initial Interest Rate
3.3% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.70% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.70% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £336.88 and 298 monthly payments of £437.77.

The total amount payable would be £151,732 made up of the loan amount plus interest (£56,392), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.3% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.75%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.34% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.75% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £410.83 and 336 monthly payments of £545.68.

The total amount payable would be £193,338 made up of the loan amount plus interest (£78,208) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.75%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.34% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.75% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £410.83 and 336 monthly payments of £545.68.

The total amount payable would be £193,598 made up of the loan amount plus interest (£78,208), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.75%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.34% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.75% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £410.83 and 336 monthly payments of £545.68.

The total amount payable would be £193,338 made up of the loan amount plus interest (£78,208) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.75%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.34% for the first 2 years, followed by our SVR until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.75% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £410.83 and 336 monthly payments of £545.68.

The total amount payable would be £193,598 made up of the loan amount plus interest (£78,208), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.76%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.33% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £411.39 and 336 monthly payments of £545.72.

The total amount payable would be £195,364 made up of the loan amount plus interest (£78,235), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.76%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.33% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £411.39 and 336 monthly payments of £545.72.

The total amount payable would be £195,364 made up of the loan amount plus interest (£78,235), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.76%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.33% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £411.39 and 336 monthly payments of £545.72.

The total amount payable would be £195,364 made up of the loan amount plus interest (£78,235), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.76%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.33% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.76% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £411.39 and 336 monthly payments of £545.72.

The total amount payable would be £195,364 made up of the loan amount plus interest (£78,235), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.80%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.80% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.27 and 202 monthly payments of £740.68.

The total amount payable would be £165,874 made up of the loan amount plus interest (£46,044) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.80%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.80% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.27 and 202 monthly payments of £740.68.

The total amount payable would be £166,134 made up of the loan amount plus interest (£46,044), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.80%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.80% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.27 and 202 monthly payments of £740.68.

The total amount payable would be £165,874 made up of the loan amount plus interest (£46,044) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.80%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.80% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.80% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.27 and 202 monthly payments of £740.68.

The total amount payable would be £166,134 made up of the loan amount plus interest (£46,044), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.81%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.81% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.81% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.83 and 202 monthly payments of £740.75.

The total amount payable would be £167,902 made up of the loan amount plus interest (£46,073), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.81%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.81% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.81% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.83 and 202 monthly payments of £740.75.

The total amount payable would be £167,902 made up of the loan amount plus interest (£46,073), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.81%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.81% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.81% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.83 and 202 monthly payments of £740.75.

The total amount payable would be £167,902 made up of the loan amount plus interest (£46,073), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.81%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.81% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.81% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £620.83 and 202 monthly payments of £740.75.

The total amount payable would be £167,902 made up of the loan amount plus interest (£46,073), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.8% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.25% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £415.92 and 336 monthly payments of £546.08.

The total amount payable would be £194,594 made up of the loan amount plus interest (£78,465), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.84%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.25% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.84% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £415.92 and 336 monthly payments of £546.08.

The total amount payable would be £194,594 made up of the loan amount plus interest (£78,465), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.87%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.87% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.87% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £344.81 and 298 monthly payments of £439.39.

The total amount payable would be £152,446 made up of the loan amount plus interest (£57,366) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.87%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.87% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.87% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £344.81 and 298 monthly payments of £439.39.

The total amount payable would be £152,706 made up of the loan amount plus interest (£57,366), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.87%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.87% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.87% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £344.81 and 298 monthly payments of £439.39.

The total amount payable would be £152,446 made up of the loan amount plus interest (£57,366) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.87%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 60%

Your interest rate is fixed at 1.87% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.87% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £344.81 and 298 monthly payments of £439.39.

The total amount payable would be £152,706 made up of the loan amount plus interest (£57,366), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.88%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.21% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £418.19 and 336 monthly payments of £546.26.

The total amount payable would be £194,709 made up of the loan amount plus interest (£78,580), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.88%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.21% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.88% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £418.19 and 336 monthly payments of £546.26.

The total amount payable would be £194,709 made up of the loan amount plus interest (£78,580), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.89%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.89% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £625.30 and 202 monthly payments of £741.32.

The total amount payable would be £167,133 made up of the loan amount plus interest (£46,304), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.89%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 1.89% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.89% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £625.30 and 202 monthly payments of £741.32.

The total amount payable would be £167,133 made up of the loan amount plus interest (£46,304), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.91%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.91% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.91% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £346.70 and 298 monthly payments of £439.76.

The total amount payable would be £152,674 made up of the loan amount plus interest (£57,594) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.91%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.91% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.91% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £346.70 and 298 monthly payments of £439.76.

The total amount payable would be £152,934 made up of the loan amount plus interest (£57,594), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.91%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.91% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.91% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £346.70 and 298 monthly payments of £439.76.

The total amount payable would be £152,674 made up of the loan amount plus interest (£57,594) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
1.91%
Initial Interest Rate
3.4% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 1.91% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 1.91% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £346.70 and 298 monthly payments of £439.76.

The total amount payable would be £152,934 made up of the loan amount plus interest (£57,594), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.4% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.93%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.93% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.93% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £627.55 and 202 monthly payments of £741.60.

The total amount payable would be £167,249 made up of the loan amount plus interest (£46,420), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
1.93%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 1.93% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 1.93% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £627.55 and 202 monthly payments of £741.60.

The total amount payable would be £167,249 made up of the loan amount plus interest (£46,420), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.94%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.15% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.94% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £421.62 and 336 monthly payments of £546.53.

The total amount payable would be £194,882 made up of the loan amount plus interest (£78,753), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.94%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.15% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.94% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £421.62 and 336 monthly payments of £546.53.

The total amount payable would be £194,882 made up of the loan amount plus interest (£78,753), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
1.98%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 2.11% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 1.98% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £423.91 and 336 monthly payments of £546.70.

The total amount payable would be £194,994 made up of the loan amount plus interest (£78,865), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.05%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.05% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.05% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £353.33 and 298 monthly payments of £441.07.

The total amount payable would be £155,474 made up of the loan amount plus interest (£58,395), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.05%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.05% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.05% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £353.33 and 298 monthly payments of £441.07.

The total amount payable would be £155,474 made up of the loan amount plus interest (£58,395), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.13%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.13% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.13% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £357.16 and 298 monthly payments of £441.81.

The total amount payable would be £154,932 made up of the loan amount plus interest (£58,853), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.13%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 80%

Your interest rate is fixed at 2.13% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.13% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £357.16 and 298 monthly payments of £441.81.

The total amount payable would be £154,932 made up of the loan amount plus interest (£58,853), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.19% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £360.04 and 298 monthly payments of £442.36.

The total amount payable would be £154,276 made up of the loan amount plus interest (£59,196) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.19% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £360.04 and 298 monthly payments of £442.36.

The total amount payable would be £154,536 made up of the loan amount plus interest (£59,196), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.19% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £360.04 and 298 monthly payments of £442.36.

The total amount payable would be £154,276 made up of the loan amount plus interest (£59,196) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.19% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £360.04 and 298 monthly payments of £442.36.

The total amount payable would be £154,536 made up of the loan amount plus interest (£59,196), valuation fee (£260) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.19%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 75%

Your interest rate is fixed at 2.19% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £1,000 Cashback - We'll give you £1,000 cashback with this mortgage
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.19% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £360.04 and 298 monthly payments of £442.36.

The total amount payable would be £154,276 made up of the loan amount plus interest (£59,196) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.23%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.23% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.23% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £361.97 and 298 monthly payments of £442.73.

The total amount payable would be £156,505 made up of the loan amount plus interest (£59,426), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.23%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.23% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.23% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £361.97 and 298 monthly payments of £442.73.

The total amount payable would be £156,505 made up of the loan amount plus interest (£59,426), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.24%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £439.00 and 336 monthly payments of £547.84.

The total amount payable would be £194,740 made up of the loan amount plus interest (£79,610) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.24%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £439.00 and 336 monthly payments of £547.84.

The total amount payable would be £194,740 made up of the loan amount plus interest (£79,610) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.24%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £439.00 and 336 monthly payments of £547.84.

The total amount payable would be £194,740 made up of the loan amount plus interest (£79,610) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.24%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.85% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.24% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £439.00 and 336 monthly payments of £547.84.

The total amount payable would be £194,740 made up of the loan amount plus interest (£79,610) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.27%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.82% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.27% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £440.76 and 336 monthly payments of £547.96.

The total amount payable would be £196,822 made up of the loan amount plus interest (£79,693), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.27%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.82% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.27% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £440.76 and 336 monthly payments of £547.96.

The total amount payable would be £196,822 made up of the loan amount plus interest (£79,693), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.29%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £647.96 and 202 monthly payments of £744.13.

The total amount payable would be £167,291 made up of the loan amount plus interest (£47,461) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.29%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £647.96 and 202 monthly payments of £744.13.

The total amount payable would be £167,291 made up of the loan amount plus interest (£47,461) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.29%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £647.96 and 202 monthly payments of £744.13.

The total amount payable would be £167,291 made up of the loan amount plus interest (£47,461) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.29%
Initial Interest Rate
3.7% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.29% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.29% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £647.96 and 202 monthly payments of £744.13.

The total amount payable would be £167,291 made up of the loan amount plus interest (£47,461) and other lending fees (£20).

The overall cost for comparison is 3.7% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.32%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.32% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.32% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £649.68 and 202 monthly payments of £744.34.

The total amount payable would be £169,377 made up of the loan amount plus interest (£47,548), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.32%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£1,999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.32% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.32% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £649.68 and 202 monthly payments of £744.34.

The total amount payable would be £169,377 made up of the loan amount plus interest (£47,548), arrangement fee (£1,999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.32%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.32% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.32% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £366.34 and 298 monthly payments of £443.54.

The total amount payable would be £156,017 made up of the loan amount plus interest (£59,938), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.32%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 85%

Your interest rate is fixed at 2.32% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.32% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £366.34 and 298 monthly payments of £443.54.

The total amount payable would be £156,017 made up of the loan amount plus interest (£59,938), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.35%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.35% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.35% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £367.80 and 298 monthly payments of £443.81.

The total amount payable would be £155,189 made up of the loan amount plus interest (£60,109) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.35%
Initial Interest Rate
3.5% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 80%

Your interest rate is fixed at 2.35% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.35% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £367.80 and 298 monthly payments of £443.81.

The total amount payable would be £155,189 made up of the loan amount plus interest (£60,109) and other lending fees (£20).

The overall cost for comparison is 3.5% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.39%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.70% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.39% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £447.84 and 336 monthly payments of £548.48.

The total amount payable would be £196,166 made up of the loan amount plus interest (£80,037), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.39%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.70% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.39% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £447.84 and 336 monthly payments of £548.48.

The total amount payable would be £196,166 made up of the loan amount plus interest (£80,037), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.44%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.44% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.44% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £656.59 and 202 monthly payments of £745.16.

The total amount payable would be £168,723 made up of the loan amount plus interest (£47,894), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.44%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate is fixed at 2.44% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (2% before 2nd December 2022 and 1% before 2nd December 2023 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2023
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £119,700 payable over 19 years initially on this fixed rate product until 1st December 2023 at 2.44% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 26 monthly payments of £656.59 and 202 monthly payments of £745.16.

The total amount payable would be £168,723 made up of the loan amount plus interest (£47,894), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.49%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.49% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £453.79 and 336 monthly payments of £548.90.

The total amount payable would be £196,450 made up of the loan amount plus interest (£80,321), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.49%
Initial Interest Rate
4.0% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
£999
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.60% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Include Arrangement Fee - You can add the Arrangement Fee to your mortgage
  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge of 1% of the amount repaid if you repay all or part of your mortgage within the first 1 year
  • Can add the arrangement fee to your mortgage, subject to maximum LTV.
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.49% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £453.79 and 336 monthly payments of £548.90.

The total amount payable would be £196,450 made up of the loan amount plus interest (£80,321), arrangement fee (£999) and other lending fees (£20).

The overall cost for comparison is 4.0% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.59%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.50% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £459.79 and 336 monthly payments of £549.31.

The total amount payable would be £195,733 made up of the loan amount plus interest (£80,603) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR DISCOUNT VARIABLE RATE
2.59%
Initial Interest Rate
3.9% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate tracks our Standard Variable Rate (SVR), currently 4.09%, less the agreed discount of 1.50% for the first 2 years, followed by our SVR until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (1.00% before the end of year 1 and 0.50% before the end of year 2 of the amount repaid) if you repay all or part of your mortgage before the end of the deal
Representative Example:

A mortgage of £115,000 payable over 30 years initially on this variable rate product for 2 years at 2.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 24 monthly payments of £459.79 and 336 monthly payments of £549.31.

The total amount payable would be £195,733 made up of the loan amount plus interest (£80,603) and other lending fees (£20).

The overall cost for comparison is 3.9% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.59%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.59% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £379.63 and 298 monthly payments of £445.95.

The total amount payable would be £156,560 made up of the loan amount plus interest (£61,480) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

5 YEAR FIXED RATE
2.59%
Initial Interest Rate
3.6% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 85%

Your interest rate is fixed at 2.59% until 1st December 2026, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more
  • Can repay lump sums without any early repayment charge (up to 10% per annum each financial year (1 April - 31 March) of the outstanding balance as at 1 April each year) - full details will be found in your Mortgage Illustration
  • Will have to pay an early-repayment charge (5% before 2nd December 2022, 4% before 2nd December 2023, 3% before 2nd December 2024, 2% before 2nd December 2025 and 1% before 2nd December 2026 of the amount repaid) if you repay all or part of your mortgage before 2nd December 2026
Representative Example:

A mortgage of £94,950 payable over 30 years initially on this fixed rate product until 1st December 2026 at 2.59% and then on our Standard Variable Rate (SVR), currently 4.09% for the remaining term of the mortgage, would require 62 monthly payments of £379.63 and 298 monthly payments of £445.95.

The total amount payable would be £156,560 made up of the loan amount plus interest (£61,480) and other lending fees (£20).

The overall cost for comparison is 3.6% APRC representative.

What is a Representative Example?

Representative Examples include the costs associated with a typical mortgage from The Cumberland. They do not take into account the information your have input into this mortgage calculator and are therefore not specific to your circumstances. For a Mortgage Illustration, please contact us directly.

2 YEAR FIXED RATE
2.64%
Initial Interest Rate
3.8% APRC
Overall Cost for Comparison
Followed by variable rate
4.09%
Arrangement Fee
No fee
Loan To Value
Up to 90%

Your interest rate is fixed at 2.64% until 1st December 2023, followed by our Standard Variable Rate (SVR), currently 4.09%, until the end of the mortgage.

  • Free Valuation Fee - No charge for the valuation of your property
  • £100 Cashback - If you have a Cumberland current account or switch your main current account to the Cumberland (conditions apply - please see below)
Find outHide more